PNB in the Philippines

It is one of the largest banks in the Philippines. It was created by the Philippine government on July 22, 1916, during the American occupation.The bank was acquired by tycoon Lucio Tan after its privatization by the government and became the first universal bank in the Philippines in 1980. After the merger with the Union […]

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Philippine National Bank https://upfinance.com/app/uploads/2019/07/member-pnb.png
Philippine National Bank Financial Center Pres, Diosdado Macapagal Blvd, Pasay, 1300, Philippines
(632) 526-3131 to 70 | 891-6040 to 70 Fax: (632) 573-4580, customercare@pnb.com.ph
Interest rate 0.75% - 1%
Loan tenure from 12 to 240 months
Approval duration Up to 24 hours
Min. monthly income

Product Features

Min. financing amount ₱ 150000
Max.financing amount ₱ 1000000
Min. loan tenure 12 months
Max. loan tenure 240 months

Credit

Housing loan

Refinancing / Take-out of existing loans
Interest Rates: 9% per annum
Minimum loan amount: 500 000 PHP
Maximum loan amount: Up to 80% of assessed value
Appraisal Fee: 3 500 PHP
Payment terms: Up to 20 years
Approval time: 5 banking days

  • The object can be used for any of the following purposes:
  • Buying a plot, house and plot, condominium, townhouse
  • Construction of houses, Home improvement
  • Refinancing / obtaining existing loans

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PNB Auto Loan

Interest Rates: 

months 12 24 36 48 60
rates APR 9,4% 9,5% 9,7% 10% 10,4%

Minimum loan amount:
Brand new: 300 000 PHP
Second hand: 150 000 PHP
Maximum loan amount: Brand new: up to 80% of purchase price
Second hand: up to 75% of appraised value
Payment terms: Brand New: 12 to 60 months
Second hand: For 1-3 year old vehicle – 48 months
For 4 year old vehicle – 36 months
For 5-6 year old vehicle – 24 months
For 7 year old vehicle – 12 months
Approval time: 1 banking day
Down payment: As low as 20% of purchase price

Calculate loan

 

Loan Calculator

%
Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
Total
₱ 10661.85

Borrower Requirements

Eligibility: 
– At least 21 years of age,but not more than 65 years of age upon loan maturity
– Filipino citizens
– Natural-born Filipinos who have lost their Filipino citizenship (up to a maximum lot area of 1,000 sq.m. only)
– Resident foreigners with permanent VISA (limited to acquisition of condominium units only)
– Employed or self-employed individuals
Requirements:
– Photocopy of 2 Valid Government-issued IDs
– Appraisal Fee of P3,500 (non-refundable)
– If with co-maker/co-borrower/attorney-in-fact, separate application form is needed
– Data Privacy Client Consent Form

Business loan

Long-term loans

Rates:  From 9% per annum
For project financing: 
Expansion/modernization of facilities or acquisition of capital goods or services
Minimum loan amount: 1 000 000 PHP
Maximum loan amount: 10 000 000 PHP
Payment terms: 2-7 years
Approval time: 5-10 banking days

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Short-term loans

Rates:  From 9% per annum
For project financing: 
To finance working capital requirements
Minimum loan amount: 1 000 000 PHP
Maximum loan amount: 10 000 000 PHP
Payment terms: Up to 1 year
Approval time: 5-10 banking days

Calculate loan

Borrower Requirements

Eligibility: 
– At least 21 years of age,but not more than 65 years of age upon loan maturity
– Filipino citizens
Eligible borrowers:
– Those engaged in light manufacturing, processing, services and retail/wholesale trade
– Favorable track record/experience and credit standing for the past three (3) years

Deposited

Savings accounts
Many variations of savings account, initial deposit from 0 to 30,000
Interest rate from 0.1% to 1%

Term deposits, the minimum deposit is 10,000 php or 10,000 US dollars, a period of 30 to 360 days, interest is multi-quarter, flexible. Maximum 1.5%

Credit Card

Rewards Conversion Required Points
Cash Credits 4 points = P1 Cash Credit Block of 500 points = P125 Cash Credits
Mabuhay Miles 1 point = 1 Mabuhay Mile Block of 2,000 points = 2,000 Mabuhay Miles
Payment of Membership Essentials Mastercard – P1,200 4,800 points
Platinum Mastercard / Diamond UnionPay – P3,000 12,000 points

PNB Essentials Mastercard

Experience payment convenience when dining and shopping. Have a reliable card for all your everyday needs.

• Earn points at P70 = 1 point and redeem these points for Cash Credits, Miles, and other rewards offers
• Free Travel Insurance of up to P1M
• Free Purchase Protection Insurance of up to P250K
• Peso Currency Billing

PNB Platinum Mastercard

Venture into new horizons for a more premium experience on the latest fashions and the finest restaurants.

• Earn points at P70 = 1 point and redeem these points for Cash Credits, Miles, and other rewards offers
• Free Travel Insurance of up to P3M
• Free Purchase Protection Insurance of up to P250K

PNB-PAL Mabuhay Miles World Mastercard

• Free 2,000 Mabuhay Miles welcome gift upon card activation
• Additional free 10,000 Mabuhay Miles upon reaching P100k-worth of transactions at PAL*
• 5% discount on select PAL international flights when you book online via www.philippineairlines.com
• Priority check-in at PAL Business Class Counters at NAIA Terminals 1,2, and 3
• Free Travel Insurance of up to P10M
• Free Purchase Protection Insurance of up to P250K

PNB Visa Classic

Enjoy payment flexibility for your basic necessities and last minute expenses.
Benefits:
Give you 1% rebate on your revolved interest
Free travel Insurance of up to P1M
Free purchase protection insurance of up to P250K
Low annual membership fee

PNB Visa Gold

Experience more of life when you lighten your load with the card that pays you back.
Benefits:
Give you 1% rebate on your revolved interest
Free travel Insurance of up to P1M
Free purchase protection insurance of up to P250K
Low annual membership fee

PNB Diamond UnionPay

Benefits:
Travel into the stunning tapestry and enduring traditions of Asia with a card that gives your money more value.
• Access to perks and discounts from UnionPay TravelMate partner merchants
• Earn points at P70 = 1 point and redeem these points for Cash Credits, Miles, and other rewards offers
• World Assist (medical and travel concierge services)
• Free Travel Insurance of up to P1OM
• Free Purchase Protection Insurance of up to P250K
• Freedom to choose from single currency or dual currency billing

Debet Card

PNB-PAL Mabuhay Miles Debit Mastercard
Debit Savings Account PNB

This is a regular savings account that comes with a Mabuhay Miles PNB-PAL debit card that can be used at:
✓ Mastercard and Maestro accredited sellers
✓ over 2 million ATMs worldwide

  • Balance Requirements
  • Initial deposit PHP 3000.00
  • Minimum PHP balance maintenance 3000.00
  • Minimum ADB earns interest PHP 10,000.00
  • Interest rate 0.100% per annum

Priority debit card Mabuhay Miles PNB-PAL
PNB Priority Account

Special current account, which earns regular savings intended for businesses and wealthy individuals. This account comes with:
✓ VIP Checkbook
✓ PNB-PAL Mabuhay Miles Priority Debit Card
✓ Special priority accommodation at branches

  • Balance Requirements
  • PHP initial deposit of 25,000.00
  • Minimum PHP balance maintenance 25 000,00
  • Minimum ADB earns PHP interest 25,000.00
  • Interest rate 0.100% per annum

FAQ

No, the car is your property from the moment of purchase, but remains the bank’s guarantee for the loan period. This means that you cannot sell the car, and you also have to pay for car insurance so that the bank can receive its money in any case.

Documents confirming income and identification are the main requirements for obtaining a car loan.
Application form with filled in fields.
Copy of Passport or any ID ( SSS ID, Driver’s License, Voter’s ID)
Working borrowers must submit documents: certificates from the place of work or COE, a copy of payslip for 2 months, income tax return from BIR or ITR within 1 year.
Self-employed applicants must submit documents : a copy of the ITR with THE bir stamp , a copy of registration with the DTI or SEC, and a copy of financial statements for a period of at least 2 years .
After buying a car, you need to pay for insurance.

No, on our website you can only download a loan application form, fill it out at home and bring it to the office along with the necessary package of documents.

Yes, for second-hand vehicles, the following applies:
For 1-3 year old vehicle – 48 months
For 4 year old vehicle – 36 months
For 5-6 year old vehicle – 24 months
For 7 year old vehicle – 12 months

Initial registration is usually done by agents, so you get a copy of OR / CR. You must remember that the initial registration is valid for 3 years, so after that you need to renew it annually in LTO.

The longest loan period is 20 years.

Since this type of loan is associated with large amounts of money and a large volume of documents, the term for making a decision by the Bank depends on two stages of verification. First, the Bank will check your solvency, this stage takes no more than 5 working days on average. Then the Bank will need to check the documents for the land or property you are buying, as well as make an assessment of it.

There is no single solution. If you need the lowest monthly payment, then take loan for the maximum possible period. If you are not sure that you will have a consistently high income, then take as little time as possible.

Eligibility:
Filipino citizens
Natural-born Filipinos who have lost their Filipino citizenship (up to a maximum lot area of 1,000 sq.m. only)
Resident foreigners with permanent VISA (limited to acquisition of condominium units only)
At least 21 years of age,but not more than 65 years of age upon loan maturity
Employed or self-employed individuals

Requirements:
Housing Loan Application Form (duly accomplished)
Photocopy of 2 Valid Government-issued IDs
Appraisal Fee of P3,500 (non-refundable)
If with co-maker/co-borrower/attorney-in-fact, separate application form is needed
Data Privacy Client Consent Form

Contacts

Full company name Philippine National Bank
Address Philippine National Bank Financial Center Pres, Diosdado Macapagal Blvd, Pasay, 1300, Philippines
Phone number (632) 526-3131 to 70 | 891-6040 to 70 Fax: (632) 573-4580
E-mail customercare@pnb.com.ph
Social networks

It is one of the largest banks in the Philippines. It was created by the Philippine government on July 22, 1916, during the American occupation.The bank was acquired by tycoon Lucio Tan after its privatization by the government and became the first universal bank in the Philippines in 1980. After the merger with the Union bank owned by Tan, on February 9, 2013, the PNB became the fifth largest private domestic bank in the country. At the end of 2011, the PNB had 331 branches in the Philippines and 13 branches abroad.

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Reviews

1 year ago

Great

they gave me good advises about my business this is a great and good company and i love it its employees are really nice to me and there behavior was so nice i like it

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